Which is the best credit card?

credit-cards-smallEveryone wants to know what the best credit card is, but nobody wants to hear the real answer: there is NO best credit card, only the best credit card for you. Consider:

  • If you have a balance on your credit card, the best card for you is the one with the lowest interest rate.
  • If you pay your full balance every month, the best credit card for you is a rewards credit card, BUT…
  • The best rewards card for you depends on… you. Do you want airline miles, cash back or gift cards, points toward merchandise rewards, or some other rewards scheme?

See? There is no best credit card. But we are happy to give you our ideas on the top credit card or cards in various categories, in order to help you choose which card is best for you:

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No Annual Fee Credit Cards

cardsThere are many, many no annual fee credit cards on the market, and, provided you have good credit, there is no reason to pay a fee to carry a credit card. The list below includes choices from major banks and retailers offering no annual fee credit cards, but this list is by no means exhaustive.
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Review: Wyndham Credit Card

wyndham-credit-cardThe Wyndham Hotel Group, in partnership with Barclays Bank, offers 2 options for travelers who want to earn Wyndham Rewards points on their credit card purchases. Our overview / review of the cards is below:

First, you should know that the Wyndham Hotel Group includes not only Wyndham but also chains such as Ramada, Days Inn, Howard Johnson, Travelodge, Knights Inn, Planet Hollywood resorts, Knights Inn and more. When you use your card at these hotels or other places you earn rewards points toward future stays.
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Gas Credit Cards

chevron-texaco-credit-cardWhen the price of gas spikes, people look for ways to ease the pain — and gas credit cards are one answer. Some gas credit cards give you discounts on your gas purchases, while others offer you greater rewards when you buy gas, making the price a bit easier to swallow. Some gasoline cards are tied to a specific gas station chain, while others offer rebates across the board on gas purchases. Check out the credit cards below to see which gas credit card fits your needs and spending patterns:
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Review: Tractor Supply Credit Cards

tractor-supply-credit-cardTractor Supply Co. offers a consumer credit card and business credit card, one of which (the consumer card) allows you to finance large purchases at reduced interest rates — but be careful. Our overview / review of the Tractor Supply credit cards is below:

Tractor Supply credit cards are issued in partnership with Citibank, but they are only for use at Tractor Supply Co. We generally are not fans of credit cards that can only be used at single retailer — it’s not worth opening a new credit line unless there is a very compelling offer behind it.
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QVC Credit Card Payment, Login, and Customer Service Information

qvc-credit-cardIf you are a holder of the QVC QCard credit card and want to make a payment online or by mail, or need customer service help, you will go through QVC’s issuing partner, Synchrony Bank (formerly known as GE Capital Retail Bank). All of the info you’ll need is below:

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Belk Credit Card Payment, Login, and Customer Service Information

belk-credit-cardThe Belk department store credit card is issued in partnership with Synchrony Bank (formerly known as GE Capital Retail Bank), and it is Synchrony you will interact with when paying your bill online or by mail, or when you need customer service help. Information on completing any of these tasks is below:

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Low Interest Credit Cards

cardsBelow is a listing of the lowest interest credit cards on the market today, with a link to the card’s page or online application. Note that some of these cards may offer a low rate, but may also use that rate to draw you in and then actually approve you at a higher rate. Below we have noted the lowest rate each card offers AND any higher rate you might get instead, if applicable. Also, we have only listed cards that have no annual fee.
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Review: Macy’s Credit Card

macys-credit-cardsMacy’s, through its Department Stores National Bank division, offers two different credit cards:

  • The standard Macy’s Credit Card can only be used to make purchases at Macy’s stores or online at Macys.com.
  • The Macy’s American Express Card can be used at Macy’s or anywhere else American Express is accepted.

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Sheetz Credit Card Payment, Login, and Customer Service Information

sheetz-credit-cardThe Sheetz credit card is issued in partnership with First Bankcard/First National Bank of Omaha, and it is First Bankcard that you will deal with when it comes to making your card payment online or by mail, or if you need customer service help. Information on completing any or all of these tasks is below:

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Citi Double Cash vs. Capital One Quicksilver

citi-double-cash-vsIf you’re trying to decide between the Citi Double Cash Card and the Capital One Quicksilver credit card, the decision seems easy — after all, the Citi card essentially gives you 2% cash back vs the 1.5% cash back offered by the Capital One Quicksilver. But are there other factors to consider? Let’s take a closer look at which card may be right for you.

The Citi Double Cash Card is a MasterCard that offers you essentially 2% cash back, but with an uncommon formula. You earn 1% cash back immediately on your card purchases, and then another 1% back on the balances you pay back. If you pay off your complete balance every month, you earn 2% cash back immediately; if you revolve your balances, it takes longer to get the full 2%, but you will get it as long as you eventually pay off your balances. (Note that you don’t get cash back on any interest you pay if you carry a balance month-to-month.)
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Are You Better Off Filling Out An Online Credit Card Application or Waiting For Credit Card Applications In The Mail?

credit-cards-smallAt a previous job reporting on credit cards, I was chided by a rep from one card company for discussing the specifics of certain credit card offers, such as interest rate, rewards program terms, introductory rates, etc. His logic was this: the credit card offers that you see on the Internet are not necessarily the same as the credit card offers that come to your mailbox, so it was impossible to specify the terms for any particular card.

For example, you might go to one of the big banks’ Web sites and decide to apply for a rewards credit card only to get an offer in the mail days later that actually offers a better rewards formula. Or you might see an offer for a 0% rate on purchases for 6 months online, only to get a mail offer of 0% on card purchases for 12 months. Conversely, you might get rejected for a card offer online, only to get mail days later from the same company offering you the same card with slightly worse terms than the card you saw online.
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Review: Haband Credit Card

haband-credit-cardInternet / mail order retailer Haband offers a credit card in partnership with Comenity Bank that allows you to “buy now pay later” and also get a few perks. Our overview / review of the card is below:

The first thing to know about the Haband credit card is that it can only be used for Haband purchases and not at any other stores. If you are not a regular Haband customer, you should ask yourself whether it’s worth it to open another credit line to get this card, especially considering its interest rate (which we’ll get to in a moment).
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Discount Tire Credit Card Payment, Login, and Customer Service Information

discount-tire-credit-cardThe Discount Tire credit card is issued in partnership with Synchrony Bank (formerly GE Capital Retail Bank), and it is Synchrony Bank you will interact with in order to pay your bill online or by mail, or to get customer service information. Below you’ll find all of the information you need to complete any of these tasks:

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HSBC Credit Cards in the United States

HSBC_logoThough Capital One purchased the vast majority of credit card accounts that previously were managed by HSBC, there are still several HSBC credit cards in existence for current HSBC customers to choose from. We offer a brief overview / review of these cards below:

First, you should know that you must be an HSBC customer with a personal HSBC bank account or be an HSBC Premier Client to get any of these cards; you can’t just apply for the credit card alone.
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